Vernon County, Missouri home prices
Typical home $181,319 · +6.6% in a year · property tax 0.67%
The typical home in Vernon County is worth $181,319, 32% less than the Missouri typical home ($265,387). Values changed +6.6% in the past year and +55.4% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($1,218 on the typical home), versus 0.79% statewide.
Mortgage on the typical Vernon County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,264 | $145,055 | $976 | $0 | $192 | $1,168 | $50,100 |
| 10% down | $18,132 | $163,187 | $1,098 | $68 | $192 | $1,358 | $58,200 |
| 5% down | $9,066 | $172,253 | $1,159 | $72 | $192 | $1,423 | $61,000 |
| 3.5% down (FHA) | $6,346 | $178,034 | $1,198 | $80 | $192 | $1,470 | $63,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Randolph County | $180,864 | +5.5% | 0.78% |
| Schuyler County | $179,965 | +12.5% | 0.79% |
| Shannon County | $179,646 | +5.0% | 0.43% |
| Barton County | $183,965 | +2.6% | 0.71% |
| Chariton County | $177,593 | -10.3% | 0.64% |
| Saint Louis City | $176,514 | -0.4% | 1.03% |
| Butler County | $174,679 | +10.9% | 0.67% |
| Clark County | $172,862 | +13.4% | 0.87% |
| Audrain County | $190,175 | +8.5% | 0.79% |
| Buchanan County | $190,751 | +4.1% | 0.77% |
Frequently asked questions
What is the average home price in Vernon County, MO?
The typical home value in Vernon County is $181,319 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Vernon County?
About $50,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Vernon County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).